Over 15 defaults with duplicates - HELP!!!

[jdpm]

Hi,

I must currently have the worst credit rating on earth with an astounding 15 defaults on my file

Company	Default Date	Amount	Removal date
3G	17/09/2007	£135	17/09/2013
Caboot *	28/07/2008	£70	28/07/2014
Santander	01/08/2008	£1,081	01/08/2014
British Credit Trust	09/10/2009	£4,352	09/10/2015
RBS	31/05/2010	£566	31/05/2016
Santander	02/11/2010	£1,081	02/11/2016
Gothia LTD	23/02/2011	£1,053	23/02/2017
Mkdp llp	18/05/2011	£447	18/05/2017
Black horse	08/03/2012	£209	08/03/2018
Vodafone	02/09/2012	£58	02/09/2018
BT	31/10/2012	£93	31/10/2018
Natwest	31/01/2013	£1,026	31/01/2019
Natwest	31/01/2013	£33	31/01/2019
Natwest	31/01/2013	£804	31/01/2019
BT	28/02/2013	£228	28/02/2019

Based on the 6 year rule, this is how i suspect the above will happen. I have a couple of questions however:

• The two figures for £1081 are from the same debt - but defaulted at different times - surely two defaults cannot be listed for the same debt? If correct, should one be removed or marked as satisfied?

• Natwest gave me three defaults for charges on my account. Basically charged me £6 per day for being over unauthorized overdraft. Can i claim back 'charges' through the bank although not paid anything which would hopefully end up with these being removed?

• Would BT / Vodafone remove the defaults if i was to pay the outstanding balance?

• It appears a number of third parties in the list above was used for original debts although i dont necessarily know who they relate to, if i contact them to establish why/where they came from would i lose the '6 year default rule'? Moreover, i havent received letters as i have moved address etc - would this give me good stepping stone to have these potentially removed?

• 3G default should have been removed by now but it hasnt - is this automated?

Apologies for all the questions buts hopefully listing them all would receive an overall quicker response.

Many Thanks

JDPM

[Prudence1]

Re: Over 15 defaults with duplicates - HELP!!!

I'm going through something similar myself with wrongful defaults and duplicates and I've had some successfully removed so far.
Now is this list from one credit ref agency or all 3?
The reason I asked is I've always just checked experian and had one hell of a shock when I checked the other two as they had other defaults listed too and with different dates and amounts !

[Vodafone Company Rep]

Re: Over 15 defaults with duplicates - HELP!!!

Hi jdpm,

If you'd like me to take a closer look at things could you email me with your details via the Contact us form here and quote the code WRT135 - FAO Lee in the subject line?

Once sent you'll receive an automated reply with a reference number. So I can make sure I've got it could you update the thread with this and I'll get back to you as soon as possible?

Kind regards,

Lee

Web Relations

Vodafone UK